First of all get the cream cheese out and let it sit out so that it can be easily spreadable. Also get the refried beans in a bowl and add taco seasoning, Mix it well so that the beans are well seasoned.

Chop the onions & cilantro and set aside. Lay out the tortilla flat on the cutting board. Spread a layer of cream cheese, and then refried beans. Sprinkle a few chopped onions and cilantro on top of it.

Roll the tortilla starting from one end all the way down. Wrap it in the cling wrap, tight enough so that it doesn't open. Refrigerate for a couple of hours.

Cut it using a serrated knife. Serve it cold with store bought or home made salsa.