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This question was asked because I am using a combination of several emulsifyiers in my products.

Yes, beeswax and borax alone are enough, however, the cream may come out a bit "stalky" depending on how much beeswax you used. Also, beeswax alone is unstable so make sure you use it with borax.

It is a personal preference of mine to use a combination of beeswax & borax, vegetable emulsifying wax, xanthan gum, and a tiny amount of stearic acid. I find that all together make a wonderful emulsion and the cream comes out perfect.