Nishant, let's say that I grant for now that someone could be saved by believing explicitly merely in the Rewarder/Punisher God so long as he believes it with a supernatural motive.
Dear Ladislaus, thank you for the comments. I typed out a response, and just saw your other thread, I'm not sure where to respond, I put it here for now. We'll discuss it further there if you like.
In defense of what was written in the Catechism, and your point about supernatural faith of course necessarily preceding supernatural charity - Yes, that is true but the reason it suffices to say an act of perfect love of God can have the baptismal effect is because someone who who loves God with all his heart and for His own sake already firmly assents to the proposition, as to a revealed truth, that "God exists and is a rewarder of those who seek Him" and that He is not merely an object to be contemplated, but a Subject to be loved, and this with all of one's strength.
Why would a man love God so if he did not already know (as by faith) that God was to be loved in such a way? And if he knows this, and bears witness by his living faith that works by charity, that he believes it, how does he believe it and who revealed it to him?
Such a revelation could hardly come from merely natural motives, but of this too it must be said, It was not flesh and blood that proposed this, but the Father in heaven. Indeed, it was what Christ called the greatest of the commandments, that God is to be loved with all one's strength and heart. This great precept of the law, in which as it were is contained the whole law, a man can come to the knowledge of only if he seeks God with all his heart.
St. Thomas says God will then propose what must be believed, at least interiorly and by inspiration, if not exteriorly, by a Saint or Angel.
Before I come to your example, let me ask you if we can do it like this. Let's take two cases, pagans living near the Himalayas in North India, far away from Christianity and civilization. The one in 100 B.C. and the other in 100 A.D.
Now, what must the former pagan do to be saved? He must follow closely the natural law, and inasmuch as he continually does this, and remains in good faith, under the operation of actual grace he will receive the inspiration to seek after God with all his strength, and to love Him with all of his heart, and therefore he can be justified. Now, because this was in the Old dispensation, God required nothing more.
Such a man is not a pagan in his heart, but is in truth one of the faithful of Israel (which prefigured the Church) of old, united to Her invisibly and by inner and interior bonds, circuмcized in heart, and therefore a Christian at least by anticipation, as was the case with all the OT just.
Now, what of the latter pagan, in identical conditions, except that he lives in the era after Jesus Christ has come, and the Christian dispensation has been instituted?
Does it seem right to say that such a man, although he did everything else identically, would perish? What God has established remains true, because he who is in good faith, and under the operation of actual grace and in response to it begins to love God with all his heart will immediately be justified. But in the Christian dispensation, as the Doctors teach, we ought piously to believe that such a one will come to explicit faith in Christ before the end of their lives.
Again, Cornelius in the New Testament era is generally given as an example of this. For St. Thomas and others say that as per the Scriptural text, Cornelius was justified even before he heard of Christ, because he had implicit faith in Him through explicit faith in God and the universal will to believe what God reveals and do what God commands. Such men are few, but undoubtedly they will be taken care of by divine Providence, who governs such men in a special way. And therefore, we ought to believe piously that if any are justified by implicit faith in Christ, they will come to explicit faith in Christ before they die, once the Christian dispensation has been instituted.