In this work, a sample of luminous M-type giants in the Baades Windows towards the inner Galactic Bulge is investigated in the near-infrared. The ISOGAL survey at 7 and 15 micron has given information concerning the mass-loss rates of these stars and their variability characteristics have been extracted from the MACHO database. Most are known to be semi-regular variables (SRVs). Here we discuss how their IJHK-region colours depend on period and the presence or absence of mass-loss, using results mainly taken from the DENIS and 2MASS surveys. In order to compare their colours with solar neighbourhood stars, photometric colours on the DENIS, 2MASS and ESO photometric systems have been synthesized for objects in the spectrophotometric atlas of Lancon and Wood (2000). In addition, they have been used to predict the differences in colour indicies when stars with strong molecular bands are observed using different photometric systems. The SRVs are found to inhabit the upper end of the J-K, K colour-magnitude diagram, lying just below the Miras. High mass-loss rates are associated with high luminosity. The near-infrared colours of the semi-regular variables increase in a general way with period and are reddest for the stars with significant mass-loss. The average colours of Mira variables, whose periods start at around 200 days in the Bulge, are bluer than those of the semi-regulars at this period, particularly in J-H, thanks to the association of deep water-vapour bands with large amplitude.
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