It's like... Ukrainian: чай Russian: чай Belarusian: чай Czech: čaj Slovak: čaj Bulgarian: чай Serbian: чаj Croatian: čaj Bosnian: čaj Makedonian: чай Polish: … Czech: Polish nO. Czech: YOU DON'T-- Polish: HERBATA! All the family: oh, the little rebel!
Meanwhile in Belarusian is still two variants for tea: чай (czaj) and гарбата (harbata).
Is there a difference between ch and h? 'Cause it sounds like cherbata.
"h" and "ch" are the same sound, it's a matter of orthography. If you wrote "cherbata" you would look like an uneducated Polish person. Luckily it seems that learners almost don't make orthographic mistakes because they learn the writing anyway :D
P.S. Actually, people living near the Eastern or Southern border may pronounce them a bit differently, true. "h" would be more voiced then. But it's regional.