Preheat your oven to 350°F (175°C).

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

Fold in your shredded cheese, ensuring it's lightly coated with the flour mixture.

In a separate bowl, whisk together milk, vegetable oil, and egg until smooth.

Pour the wet ingredients into the dry ingredients and mix gently until just combined.

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

Transfer the batter to the prepared loaf pan, smoothing the top. Optionally, sprinkle extra cheese on top.

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

Cool in the pan for 10 minutes before transferring to a wire rack to cool for at least 20 minutes.

Slice with a serrated knife and serve warm.