Given your usage and requirements, the Hyundai Creta 1.5 Petrol IVT is the better bet. While it hasn’t been crash-tested by BNCAP or GNCAP like the Skoda has (and scored a 5-star rating), it does have all the latest safety features, including ADAS on top-spec variants. Plus, Hyundai’s track record on safety has been decent, if not excellent.
This powertrain is generally more efficient than the Skoda 1.0 TSI with the 6AT, but driven carefully, you could extract good mileage from that car too. The bigger reason is your heavy traffic usage, in which the Hyundai’s excellent belt-driven CVT gearbox and linear naturally aspirated petrol will feel much smoother and easier to manage.
The Skoda’s 1.0 TSI, punchy as it is, suffers from a lot of turbo lag at low speeds, and the 6-speed torque-converter auto is overly eager when moving off from a standstill, which becomes tiresome in stop-and-go traffic. Besides all this, the Creta is the more spacious and comfortable of the two.