Step 1: Photoretinitis is damage to the retina caused by looking at intense light without protection. The classic setting is watching a solar eclipse, religious sun gazing, or solar telescopy.
Step 2: The injury is a photochemical reaction. The harmful part of the spectrum is short-wavelength visible light (blue and violet-blue), with a small contribution from UV-A. It is therefore also called blue-light retinal injury. Infrared rays are NOT the main cause.
Step 3: Clinically the patient has a persistent after-image that later becomes a positive scotoma, with metamorphopsia. The fovea may look normal at first, or show a pale spot with a brownish-red ring, later progressing to pigment deposits or even a macular hole.
Step 4: Snow reflection causes photokeratitis (snow blindness), a corneal injury, not retinal. Blunt trauma causes commotio retinae, a different mechanism. So the best answer is solar eclipse.