Open 2 cans of refried beans and place them in a bow. Give it a mix.
Place a Heavy Bottom Pan on Medium Flame.
Once hot, add oil. Add cumin seeds and let them splutter.
Next add in Onions, garlic and jalepenos. Cook them until onion softens.
Next add in the bell peppers. Add salt and seasonings with it next.
Mix everything well and cook for a minute.
Now add the refried beans and give everything a mix.
Next goes in whipped cream cheese and salsa along with blend of mexican cheese. Mix until well combined, let it cool down completely.
The beans filling will thicken as it cools.