Answer

From a Jain Dharma perspective, a plain vegetarian bagel is generally acceptable if it does not contain eggs, meat-based ingredients, or other non-vegetarian additives.

Cream cheese is a dairy product, so its acceptability depends on your personal or family Jain practice:

• Many Jains do consume dairy, so cream cheese may be acceptable if it contains no animal rennet or non-vegetarian ingredients.
• Some Jains avoid dairy due to concerns about himsa involved in modern dairy production.

What to Check

Before eating, check that:

• The bagel does not contain eggs.
• The cream cheese does not contain gelatin or animal-derived enzymes.
• There are no onion, garlic, or root vegetables if you follow stricter Jain food rules.

Takeaway

Yes, you may have a bagel with cream cheese if it fits your level of Jain dietary observance and the ingredients are vegetarian and free from prohibited items.