Light is generally better modeled by a wave, so I would say the wave doesn’t experience time. Photons are the smallest unit of energy that can be transferred between a light wave and a different particle. They have momentum and direction, but they don’t really travel exactly. They just mediate the force between light waves and matter.
Worded differently, a fermion (massive particle) within an electromagnetic (light) wave with a frequency of f may absorb some multiple of h x f joules of energy, where h is a very small constant. There is no way for the wave to transfer less than hf joules to the particle at a time. There is no need to think of photons as anything other than the smallest possible quantization of the electromagnetic wave rather than a particle of light. There’s no need to think of it existing for any amount of time or space.
That’s awesome, and I totally agree. Everyone already intuitively knows that waves carry energy. We’ve all heard of tsunamis and earthquakes. The only difference on the quantum scale is that the amount of energy transferred is discretized.