Using a mortar and pestle or the flat side of a knife, lightly crush the cardamom pods to crack them open.
Pour 2 cups of water into a saucepan and place it over medium heat. Add your loose-leaf black tea, crushed cardamom pods, grated fresh ginger, and any other optional add-ins of your choice.
Bring to a gentle boil, then reduce to a simmer and steep for 5 minutes. The water will turn a deep, dark amber color. That is exactly what you want.
Pour in 2 cups of full-fat milk. Stir to combine. Increase the heat slightly and bring the whole mixture to a gentle boil, watching it carefully, as milk can boil over quickly.
Once it reaches a boil, reduce to a low simmer and let it cook for another 4–5 minutes, stirring occasionally. The color will shift from dark amber to a warm golden brown. This is the perfect chai color.
Add sugar to taste. Stir until the sugar is fully dissolved.
Pour the Chai through a fine mesh strainer. Discard the spices and tea leaves. Serve immediately, piping hot.