Hardly biblical. This false teaching appears at the Reformation. Your statement is a perfect example of contradiction. Which is why all men will stand in judgment for the works they have done.
It only exists within the Protestant sola scriptura milieu.
The statement in red is very telling of your misunderstanding of salvation. What Christ accomplished was to reverse the fall of man. God's purpose was to enable man to again be joined in an eternal relationship for which man was created. That purpose is built on man freely working with God in this created order to bring both himself and the creation back to God as a living sacrifice. That takes work and effort. Our work for our personal salvation has absolutely nothing to do with what Christ accomplished for us. We cannot add to it, cannot subtract from it, cannot accept it, cannot reject. However in believing that he saved the world from death and sin justifies our faith and puts a person in the proper alignment with God so that a person can begin his working with God. We are to work toward perfection, to be transformed into His Likeness, all of which takes work done through faith and if a person is faithful he will inherit eternal life.