Taylor Swift -- Totally Kissing Karlie Kloss ... Maybe (PHOTOS)

Taylor Swift and Victoria's Secret model Karlie Kloss totally made out at a concert Thursday ... or maybe not. Who knows?

The ladies were rocking out at indie rock band The 1975's show in NYC when they moved in really, really close to each other's faces. Naturally, everyone wants to believe 2 hot chicks are sucking face.

It's hard to tell from pics and video if it's really a kiss or not -- but we know which answer we'd prefer, naturally.