Photonic crystal fibers (PCFs) underpin critical applications in telecommunications, sensing, and high-power laser delivery, yet their design remains a manual, expert-intensive process that couples geometric intuition with deep waveguide physics. Vision-language models (VLMs) offer a promising path toward automating PCF design, but can they truly reason about photonic physics from microscopy images, or do they merely recognize visual patterns? We introduce PCFBench, the first comprehensive benchmark for evaluating VLMs on the perception, reasoning, and decision steps of the photonic inverse-design loop. PCFBench spans 26 tasks organized into six categories of increasing cognitive demand (Geometry Perception, Physics Understanding, Text Generation, Multi-modal Reasoning, Inverse-Design Decision, and Code Generation), built from over 220K FDTD simulation samples across 18 structurally diverse fiber families. We evaluate both individual VLMs on isolated tasks and multi-agent systems (MAS) on the full sequential pipeline from perception to design. Our results reveal a striking perception-design gap: current models can identify fiber geometry with moderate success, yet consistently fail to translate that visual understanding into physics-aware design actions. Moreover, cascading agents through the pipeline exposes significant error propagation, where upstream perception mistakes compound into downstream design failures. These findings suggest that neither model scaling nor naive agent chaining suffices, and that closing the loop demands explicit physical grounding. PCFBench provides the community with a rigorous, multi-dimensional testbed to measure progress toward AI-assisted photonic engineering. The project is available at https://pcfbench.github.io/.

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