Preheat your waffle iron according to the manufacturer's instructions and spray with non-stick cooking spray.

In a large bowl, whisk together the dry ingredients: flour, baking powder, salt, pepper, and garlic powder until well combined.

In another bowl, beat the eggs until frothy, then mix in the milk and melted butter until fully incorporated.

Pour the wet ingredients into the dry mixture and fold gently until just combined; some small lumps are okay.

Fold in the diced ham, shredded cheese, and chopped chives, reserving a small handful of cheese for topping.

Ladle batter onto the preheated waffle iron and sprinkle reserved cheese on top. Cook for about 4-5 minutes until crispy and golden brown.

Transfer cooked waffles to a wire rack in a warm oven to keep them crispy while cooking the remaining batter.