Mix cinnamon, cloves, ginger, cardamom, nutmeg, and black pepper; reserve ¼ tsp for whipped cream.
In a saucepan, combine water, black tea, brown sugar, and remaining spice mix; heat to simmer.
Stir in milk and steep 5 minutes.
Strain into a mug and keep warm.
Whip cream with honey and reserved spice until soft peaks form.
Top chai with whipped cream, sprinkle cinnamon or nutmeg, and serve immediately.