Preheat your oven to 350°F (175°C) and gather all necessary ingredients and equipment.

Combine the all-purpose flour, baking powder, salt, garlic powder, and dried herbs in a large mixing bowl.

Fold in the shredded cheese to the dry mixture, ensuring it is well coated with flour.

Whisk together the milk, vegetable oil (or melted butter), and beaten egg until smooth.

Pour the wet ingredients into the dry ingredients, mixing gently with a spatula.

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

Transfer the batter into the prepared loaf pan, smoothing the top with a spatula.

Bake for 30-35 minutes or until golden brown and a toothpick inserts clean.

Let cool in the pan for about 10 minutes before transferring to a wire rack to cool completely.

Slice into thick pieces and enjoy warm or at room temperature.