I would like to point out a few things in relation to baptism
1. The thief on the cross was saved without water baptism.
2. Paul said God had called him to preach the Gospel and not to baptize, so Paul saw a difference between the Gospel (Which in 1 Corinthians 15 he says "by which ye are saved") and water baptism.
1st Corinthians 1:17 For Christ sent me not to baptize, but to preach the gospel: not with wisdom of words, lest the cross of Christ should be made of none effect.
3. Romans 8:9 But ye are not in the flesh, but in the Spirit, if so be that the Spirit of God dwell in you. Now if any man have not the Spirit of Christ, he is none of his.
We see in the above verse, that if a man has the Holy Spirit, then he belongs to Christ Now if you go and read the book of Acts, you will find multiple places where people received the Holy Spirit BEFORE being water baptized.
4. The Bible teaches that those who have the Holy Spirit are of God seals us, and we are told in Ephesians 1:13 that this happens when we believe, no mention of water baptism.
Ephesians 1:13 In whom ye also trusted, after that ye heard the word of truth, the gospel of your salvation: in whom also after that ye believed, ye were sealed with that holy Spirit of promise
5. We are not saved by works (Ephesians 2:8-9, Titus 3:5), in order to believe in baptismal regeneration you have to deny that water baptism is a work. Some try to get around this by claiming water baptism is a work that God does. they do this by confusing passages that are dealing with Spirit baptism and water baptism. At the moment of salvation in the Gospel, a person is baptized (or immersed, or placed into) by the Holy Spirit into Jesus Christ. This "baptism" places us into Jesus Christ. But this baptism is not water baptism, the word baptism, does not always mean the church ordinance of water baptism, it simply means to be immersed or placed into something. consider some examples:
1 Corinthians 10:1-2 Moreover, brethren, I would not that ye should be ignorant, how that all our fathers were under the cloud, and all passed through the sea;And were all baptized unto Moses in the cloud and in the sea;
John 1:33 And I knew him not: but he that sent me to baptize with water, the same said unto me, Upon whom thou shalt see the Spirit descending, and remaining on him, the same is he which baptizeth with the Holy Ghost.
6. All the verses that seem to teach salvation through baptism have interpretations based on context, grammar, and comparison with other scriptures. If you study those verses out you will see that they do not teach salvation through Baptism.