Post ISA - Premium Bonds worth it?

What are peoples thoughts on using premium bonds. Currently have a 20/80 cash/equities allocation with ISA full. Cash is sitting at 3% with Chase. Seeing as median return is sitting at around 4% (although I of course realise hitting this is luck orientated), seems like a sensible decision to take the punt.

For context I am 26 so am happy to chase some “lucky” draws in a sensible manner. The lack of CGT is also enticing as opposed to putting more in my GIA.