Purpose – The purpose of this research is to identify the determinants of customer loyalty and investigate the moderating effect of customer satisfaction in Malaysian telecommunications industry.Design/methodology/approach – The research uses quantitative approach by gathering data from 261 students studying in Universiti Sains Malaysia, Universiti Malaya and Universiti Teknologi Malaysia. Consequently, a set of questionnaires are send to obtain the feedback and two types of software are used to analyze the data. SPSS version 20 software is used to obtain the summary of demographic data and SmartPLS version 3.0 software is used to analyze the existing relationship among the variables.Findings – The result shows trust, perceived value and customer satisfaction acted as determinants to customer loyalty. Complaint handling in general does not gives a significant effect to the model but the interaction graph shows the moderating behavior does occur to the customer satisfaction and customer loyalty relationship.Research limitations/implications – This research is conducted in cross-sectional basis. Therefore, this limit the understanding of either there any changes of behavior after a certain period of time. Thus, longitudinal study is proposed for future research.Practical implications – The managers and practitioners in the business world need to focus more on customer trust, perceived value and customer satisfaction in order to retain the customer. This in return will leads to future sustainability. The concept could be implemented in the operational level as well as in the organizational level in fulfilling the organization’s operational and strategic action plan.Originality/value – The research takes into account the moderating effect of complaint handling in determining the customer loyalty. Therefore, the outcome could lead to a more comprehensive understanding on how to appropriately dealing with future customer, especially when the student is the intended target group.