Preheat your oven to 350°F (175°C).

In a large mixing bowl, combine all-purpose flour, baking powder, salt, garlic powder, and any dried herbs. Whisk together until well blended.

Gently fold in the shredded cheese until well coated.

In a separate bowl, whisk together the milk, vegetable oil or melted butter, and the large beaten egg until smooth.

Pour the wet ingredients into the dry ingredients and mix gently until just combined; do not overmix.

Grease a 9x5-inch loaf pan with butter or cooking spray, or line it with parchment paper.

Transfer the batter into the prepared loaf pan, smoothing the top.

Bake for 30 to 35 minutes until golden brown and a toothpick inserted comes out clean.

Remove the pan from the oven and let it cool for about 10 minutes before transferring to a wire rack.

Once cooled, slice with a serrated knife and serve warm or at room temperature.