In a medium saucepan, heat the milk over medium heat until it just begins to steam, being careful not to boil.

Add the chai tea bags to the hot milk and let steep for 5 minutes, then remove and discard the tea bags.

Whisk in the honey, vanilla bean paste, ground cinnamon, and cardamom until well combined and fragrant.

Pour into mugs and top with whipped cream if desired, garnishing each with a cinnamon stick for stirring.