In a medium bowl mix together flour, baking powder, and salt. In a separate bowl mix sugar, cream cheese, and eggs until light and fluffy. Mix mashed bananas, milk, and Chai into cream cheese mixture. Add flour mixture and mix until smooth. Pour mixture into a greased 9×5 inch loaf pan.
Bake in a preheated 350 degree F(175 degrees C) oven for 60 minutes.
Cool on rack. Remove from pan after 10 minutes.