Preheat your oven to 375°F (190°C) and line a muffin tin with paper liners or grease it lightly.
In a large mixing bowl, whisk together the flour, baking powder, salt, black pepper, and garlic powder until well combined.
Fold in the shredded cheddar cheese, grated Parmesan cheese, and chopped herbs.
In a separate bowl, beat the egg, then add the milk and vegetable oil, mixing until combined.
Pour the wet ingredients into the dry ingredients and stir gently until just combined. Do not overmix; a few lumps are okay.
Spoon the batter evenly into the prepared muffin tin, filling each cup about 2/3 full.
Bake for 18-20 minutes, or until the muffins are golden brown and a toothpick inserted into the center comes out clean.
Allow the muffins to cool in the tin for 5 minutes before transferring them to a wire rack to cool completely.