Praise be to Allah.
In the answer to question no. 20019 we stated that what is forbidden during ihram is putting on perfume or anything that has a scent. If the cream mentioned does not have any scent, then there is nothing wrong with using it.
It says in Fataawa al-Lajnah ad-Daa’imah, vol. 2 (10/157): During tawaaf and sa‘i in Hajj and ‘Umrah, people often use creams to reduce the chafing between the thighs; as using perfume is one of the things that are forbidden when in ihram, is using Daktacort [a hydrocortisone cream] in this case permissible or not? A sample of this cream in attached
There is nothing wrong with using Daktacort cream – a sample of which was attached – and similar creams when wearing ihram for Hajj or ‘Umrah, and it is not haram, because it is a kind of remedy and it is not a kind of perfume, so it does not come under the ruling on perfume. End quote.
Based on that, it is permissible for the pilgrim in ihram to use creams on that area to prevent chafing, because the purpose here is using it as a remedy.
And Allah knows best.