In a medium saucepan, bring the water to a gentle simmer over medium heat. Stir in the oats, chia seeds, sweetener, vanilla extract, ground cinnamon, ground cardamom and salt.
Reduce the heat to low and let the oats cook, stirring occasionally, for about 10-15 minutes, or until they reach your desired creamy consistency.
Remove from the heat and stir in any additions, such as milk, mashed banana, or any other fruit of your choice.
Spoon the oatmeal into bowls and top with almonds or walnuts or any of your favourite toppings.