1) only go for City IDSI if you really find a good car, because it would be 2005 or hardly 2006 model. The positives are good fuel economy, cheaper parts, easy maintenance, best resale value and most importantly its engine can be replaced from scrapyard markets when needed.
2) if you cannot find a clean City, then Cultus is a better choice cuz it would be relatively a lot newer model, hence would be in good shape. The positives are reliable car, good space inside, good resale value, okayish fuel economy in its class.. the biggest negative part is you cannot find a replacement engine for Cultus in the scarpyard markets : (