Preheat over to 400°F (205°C).
Prepare filling by mixing refried beans, chilies, cumin and garlic together in a bowl.
Grate cheese.
Assemble burrito by spooning approximately 1/2 cup (130g) bean filling into the center of each tortilla and top with about one Tbsp of cheddar cheese. Fold in ends and then sides. Place burritos seam side down on baking sheets that have been sprayed with vegetable oil spray.
Bake for 20–25 minutes until golden brown.
Serve with a dab of light sour cream and salsa.