What's the difference between the below sentences when I use with or in behind the included?
What's included with railcard?
What's included in railcard?
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I would say that when you use in, it becomes an integral part of the product. You cannot detach it.
What's included in the package? ~ Well, an air ticket, sightseeing, and a guide.
On the other hand, with can have extra things that are detachable or separate but come with it.
A bluetooth device is free with this phone.
In your example, if you say 'with', I may understand that there is a nice packaging of the Railcard and with it, there is something extra, maybe, a freebie! Say, a cover to keep the card.
On the other hand, if you say that what is 'in,' I'd understand that the card has free rides or maybe some features.
In short, in this context, in may talk about the features, and with about something physical.
Note that you can have benefits by using with.
With the railcard comes many benefits - you can have 3 rides free every month.