Here is a color palette based on your query:

json
{
  "palette_name": "Elegant Contrast",
  "colors": [
    {
      "name": "Rich Black",
      "hex_code": "
                            
                            #1a1a1a
                        "
    },
    {
      "name": "Divine Gold",
      "hex_code": "
                            
                            #d4af37
                        "
    },
    {
      "name": "Warm Brown",
      "hex_code": "
                            
                            #8b4513
                        "
    },
    {
      "name": "Cream White",
      "hex_code": "
                            
                            #f5f5f5
                        "
    },
    {
      "name": "Charcoal",
      "hex_code": "
                            
                            #2c2c2c
                        "
    }
  ]
}

Palette Description:

The “Elegant Contrast” palette features a striking combination of deep, rich tones and a luxurious gold accent. The Rich Black serves as a bold foundation, while the Divine Gold adds a touch of opulence. Warm Brown brings in a natural warmth, complemented by the soft Cream White for balance. Charcoal serves as a versatile text color, ensuring readability against the lighter elements in the palette.

Would you like to explore more color combinations or need assistance with a specific design project?