Sift flour, baking powder, and salt into a bowl. Add cold, cubed butter and rub it in with your fingers until the mixture looks like coarse breadcrumbs.

Stir in shredded cheddar cheese evenly.

Gradually mix in milk until a slightly sticky dough forms. Add a bit more flour if it's too wet.

Pat the dough into a ¾-inch thick circle on a floured surface. Cut into rounds or desired shapes and place them on parchment in the air fryer basket.

Preheat air fryer to 350°F (175°C) and cook for 8–10 minutes until golden and crispy.

Let the scones cool slightly, then serve warm with butter, cream cheese, or honey.