Begin by preheating your oven to 350°F (175°C).
In a large mixing bowl, mix together the flour, baking powder, salt, garlic powder, and dried herbs, whisking until everything is well combined.
Incorporate the shredded cheese into the flour mixture, folding it in until all the cheese is evenly coated.
In a separate bowl, whisk the milk, vegetable oil (or melted butter), and the egg together until the mixture is smooth.
Pour the wet ingredients into the dry ingredients and gently mix until just combined, being careful not to overmix.
Prepare a 9×5-inch loaf pan by greasing it with cooking spray or butter, or by lining it with parchment paper.
Pour the batter into the prepared loaf pan, smoothing out the top. Optionally, add extra cheese on top for an additional cheesy layer.
Bake the bread for 30-35 minutes, or until it turns golden brown and a toothpick inserted into the center comes out clean. If the top is browning too quickly, cover it with foil.
Allow the bread to cool in the pan for 10 minutes before turning it out onto a wire rack to cool completely.
After cooling for at least 20 minutes, slice the bread using a serrated knife.