Heat the oil in a large skillet or sauté pan over medium heat.
Add the chopped onion and cook until softened. Stir in the minced garlic and grated ginger.
Add the cumin, garam masala or curry powder, black pepper, and salt. Stir briefly to bloom the spices.
Add the chopped tomatoes and cook until they soften and begin to break down.
Stir in the drained chickpeas.
Pour in the coconut milk and stir well.
Simmer until the curry is slightly thickened and creamy.
Stir in the lime or lemon juice and chopped cilantro.
Serve hot with cooked rice or naan bread.