Hourigan, 15, held the first set 6-4 with Golder, 20, before the her older rival's consistency showed through as she quickly wrapped up the second set 6-0.
It is telling that Hourigan still looked the more powerful forcing Golder to serve at 5-6 down in the third set.
The Wanganui teenager had two match points in this game, but Golder, back from her scholarship at Indiana's Purdue University, ground it out and held serve to reach the tiebreak.
Four more match points proved a point too far for Hourigan to take the title.
But the teenager went from agony to ecstasy when ASB Classic tournament director Karl Budge comforted her and said he had seen enough to know she deserved a shot at the big time.
"It was pretty cool actually. He came over to me and said 'I just love the way you play'."
A wild card entry is a chance to qualify for the premier women's tournament in New Zealand and was a key goal for Hourigan this season.
It got better when the teenager learned she will join fellow Wanganui standout Emma Hayman who won the doubles title in Albany in the extended New Zealand Federation Cup squad. The rest of the team is Marina Erakovic, Di Hollands, Abigail Guthrie and unless injury prevents it, Emily Fanning.
Now confirmed for a shot at the ASB Classic, Hourigan took a couple of days off for Christmas with the family, before returning to Auckland today for training with coach Steve Downes.