Preheat oven to 375°F (190°C). Grease a baking dish lightly.
Cook the beef filling: Heat olive oil in a pan over medium heat. Add ground beef and cook until browned. Add onion, garlic, and spices. Stir in refried beans and black beans.
Prepare the enchilada sauce: If making homemade sauce, simmer tomato sauce with chili powder, cumin, and paprika for 5 minutes.
Assemble enchiladas: Spoon beef mixture into tortillas, roll them tightly, and place seam-side down in the baking dish. Pour enchilada sauce over the top and sprinkle with cheese.
Bake for 20-25 minutes until cheese is bubbly and slightly golden.
Serve hot with toppings like pico de gallo, sour cream, or avocado slices.