Combine flours and cheese in a large bowl. Make a well in centre. Combine zucchini, ham, milk and eggs in a large jug. Add egg mixture to flour mixture. Stir until combined.
Lightly spray a non-stick frying pan with oil. Heat over medium heat. Drop 1 heaped tablespoon of batter into pan. Repeat to make 6 pikelets. Cook for 2 to 3 minutes or until bubbles start to form on surface. Turn over. Cook for 1 to 2 minutes or until golden and cooked through. Cool on a wire rack. Repeat with remaining batter to make 24 pikelets.
Combine yoghurt and chives in a small bowl. Stir to combine. Serve pikelets with yoghurt mixture.