With 75 percent of your usage in the city, we would recommend the more relaxed and smoother CVT in either the Kia Seltos or the Hyundai Creta (called IVT by both brands). Unless you specifically want the extra performance of the turbo petrol DCT, which comes at the cost of some smoothness and efficiency in slow traffic.
On paper, the Creta may appear to offer better value for money, but it is also worth considering that the Seltos is the newer car. It is slightly larger, offers more space, a bigger boot and has a noticeably more premium fit and finish. It also gets larger and more modern infotainment and digital instrument screens.
In our view, the newer Seltos makes more sense today, especially as the Creta is expected to be replaced by an all-new generation early next year. It could make the current model feel dated sooner.