works equals merit !
Rom 4:4
4 Now to him that worketh is the reward [eternal inheritance or life] not reckoned of grace, but of debt.
Understand that Eternal Life, Salvation is an Inheritance, Paul when writing to the Galatians in chpt 3 writes Gal 3:18
18 For if the inheritance be of the law, it is no more of promise: but God gave it to Abraham by promise.
Its an eternal inheritance Heb 9:15
And for this cause he is the mediator of the new testament, that by means of death, for the redemption of the transgressions that were under the first testament, they which are called might receive the promise of eternal inheritance.
Its a heavenly inheritance 1 Pet 1:4
To an inheritance incorruptible, and undefiled, and that fadeth not away, reserved in heaven for you,
Now if we receive this Salvation, Eternal Life, or Eternal inheritance because of a condition we performed, like faith, or repentance, then whatever that condition is constitutes a quality or qualification within us, which is a basis for merit which is:
something that deserves or justifies a reward or commendation; a commendable quality, act, etc.
That act or condition one performs to get eternal life/inheritance becomes a meritorious act or condition, and there's no way around it ! One may say that faith and or repentance are acts we must to get eternal life, but they are not meritorious , are deceived, because that's exactly what they are !