In a small saucepan, combine the water, cinnamon stick, cardamom pods, cloves, and ginger.
Bring the mixture to a boil over medium heat.
Add the black tea bag or loose tea and reduce the heat to low.
Let it simmer for about 5 minutes to infuse the flavors.
In another saucepan, heat the milk until steaming.
Remove the tea mixture from heat and strain it into a mug.
Add sugar or honey to the strained tea and stir to dissolve.
Pour the steamed milk into the mug with the tea mixture.
Optional: Sprinkle a pinch of black pepper or cinnamon on top for garnish.
Enjoy your homemade chai tea latte warm.