1. On medium heat, heat the olive oil in a large saucepan.
2. Add peppers, onions garlic, and ginger. Cook until softened (approximately 7 minutes), stirring regularly.
3. Add vegetable broth, stir.
4. Add black beans and kidney beans (that have been thoroughly rinsed and drained). Stir. Let cook for a few minutes. Then add refried beans to combine well.
6. Add salt, turmeric, cumin and stir.
7. Simmer on low heat for 5-8 minutes.
8. Heat whole wheat tortilla on grill pan for 1-2 minutes each side. Cut into triangles.
9. Serve hot chili in bowl, garnish with a sprinkle of chopped cilantro. Serve tortilla triangles on the side for dipping.