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Place the milk in a small saucepan and bring just to a simmer, then immediately remove the pan from the heat. Add the chai tea bag to the milk and steep covered for 5 minutes.
Remove the tea bag and discard. Add the cinnamon, ginger, cardamom, cocoa powder, chocolate and honey to the milk. Set saucepan back over low heat and stir until liquid is steaming hot, being careful not to boil.
Remove pan from the heat and carefully pour hot chocolate into a mug. Garnish with a dollop of whipped cream, more grated chocolate and a cinnamon stick for serving.