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In answer to our third question, therefore, we shall say that, according to the majority of the Fathers and Doctors, baptism of the Holy Spirit, without the actual reception of Baptism of water, can be sufficient for salvation if the following five conditions are fulfilled:

First, that person must have the Catholic Faith. (We have already proved that no one can be saved without the Catholic Faith, and that not even the Sacrament of Baptism can be profitable for salvation if the subject who receives it does not confess the Catholic Faith.)

Second, he must have an explicit will or desire to receive the Sacrament of Baptism. For example, St. Bernard says that he must have an “entire yearning for the sacrament of Jesus.” 86

Third, he must have perfect charity. For St. Robert Bellarmine says that only “perfect conversion can be called baptism of the Spirit, and this includes true contrition and charity. ” 87 St. Augustine says that he must have “faith and conversion of the heart. ” 88 St. Thomas says that, as in the case of the Sacrament of Penance, so also in the Sacrament of Baptism, if sanctifying grace is to be received previous to the Sacrament, a perfect act of charity is necessary, for “if an adult is not perfectly disposed before baptism to obtain remission of his sins, he obtains this remission by the power of baptism, in the very act of being baptized. ” 89 St. Bernard says that “right faith, God-fearing hope, and sincere charity” must be present. 90

Fourth, he must have an explicit will to join the Catholic Church , — for, as we have shown, not even actual Baptism is profitable for salvation if it is received outside the Catholic Church (except for babies) and without an explicit will to join the Church. Much less, therefore, does baptism in voto profit for salvation if it does not include an explicit will to join the Catholic Church.

Fifth, he must be dying and, although yearning for the Baptism of Water, is unable to receive it because of an absolute impossibility, not because of a contempt for it. Thus, St. Augustine says that baptism of the Spirit, or perfect conversion to God, “may indeed be found when Baptism has not yet been received, but never when it has been despised. For it should never in any way be called a conversion of the heart to God when the sacrament of God has been despised. ” 91 In the same way St. Bernard says that, since the time of the promulgation of the Gospel, “whoever refuses now to be baptized, after the remedy of baptism has been made accessible to all everywhere, adds of his own accord a sin of pride to the general original stain, carrying within himself a double cause of the most just damnation, if he happens to leave the body in the same state.” 92 Also, St. Thomas says, “It is necessary, in order that a man might enter into the kingdom of God, that he approach the baptism of water actually (in re), as it is in all those who are baptized; or in voto, as it is in the martyrs and the catechumens who were hindered by death before they could fulfill their intent (votum); or in figure, as in the ancient Fathers,” — that is, in those before Christ. 93

Now that we have shown in what sense a person who has the desire for baptism can be saved, let us enumerate again Father Donnelly’s three doctrines which we listed at the beginning of Part III, namely, (1) that a person can be said to have desire for Baptism while being totally ignorant of the Catholic Faith and ignorant of the Baptism of water; (2) that a person can be said to have a desire for Baptism while knowing the Catholic Church and the Catholic Faith and refusing both; (3) that a person can be said to have a desire for Baptism while knowing the Baptism of water and refusing it. From the evidence we have presented, it must be clear that these doctrines are erroneous and cannot be held.

https://catholicism.org/rptal-part3.html