Heat the oil in a large saucepan over medium heat. Add the chopped onion, minced garlic, and minced ginger. Saute until the onion is translucent.
Add the ground cinnamon, cardamom, ginger, cloves, turmeric powder (if using), and red chili powder (if using). Stir for about 30 seconds, until the spices are fragrant.
Pour in the water and bring the mixture to a boil.
Reduce the heat to low and simmer for 5 minutes.
Strain the mixture into a teapot or large mug. Discard the solids.
Add the black tea leaves or tea bag to the pot and steep for 3-5 minutes, depending on your desired strength of tea.
Remove the tea leaves or tea bag and add the milk. You can use dairy or non-dairy milk, depending on your preference.
Stir in the honey or sugar (if using).
Serve hot, garnished with whipped cream or foam (if desired).