01 - In a medium saucepan, combine milk and water; heat over medium until just simmering.
02 - Add the chai tea bag or loose-leaf chai in a tea infuser to the liquid; steep for 3 to 4 minutes, then remove.
03 - Stir in rolled oats, cinnamon, ginger, cardamom, cloves, and black pepper.
04 - Reduce heat to low and cook, stirring occasionally, for 5 to 7 minutes until the oats are creamy and tender.
05 - Stir in maple syrup or honey, adjusting sweetness to preference.
06 - Divide into bowls and garnish with desired toppings such as sliced banana, toasted nuts, or extra cinnamon.