Preheat air fryer to 180°C (350°F).
Slice the bagel in half and air fry for 2 minutes, do not let the bagel brown.
Mix the cream cheese, Cheddar, chives, chopped chilli, salt and pepper together in a medium sized bowl.
Spread this mixture generously over the bagel halves.
Air fry for 6–7 minutes, or until bubbling and lightly golden.
While the bagel cooks, heat honey, fresh sliced chilli, and apple cider vinegar in a small pan until bubbling. Remove from the heat.
Remove bagels from the air fryer and drizzle with the hot honey.
Serve immediately, optionally garnished with extra chives.